Edward James is a Series 66-licensed financial advisor at Morgan Stanley with 28 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Michael Chapman is a financial advisor with Wells Fargo Clearing in Virginia Beach, VA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for seven years before joining Wells Fargo Clearing in 2021. Outside of his advisory role, Chapman serves as a part-time professor at Old Dominion University. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Frank Richardson Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2016. Outside of advisory services, he is involved in the sale of loan products and home security-related referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services at scale through a large network of advisors and utilizes model-driven investment strategies supported by third-party asset managers and custodians.

Jonathan Muhlendorf is a CFP® professional at OSAIC with 25 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 23 years before joining OSAIC in 2025. In addition to his advisory role, he holds licenses as an insurance agent offering accident and health, traditional life, disability, life settlement, and long-term care insurance, and assists clients with life settlements of fixed life policies. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers, providing integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios across various asset classes.

Daniel Ross is a financial advisor with Edward Jones in Virginia Beach, VA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and managing approximately $1.01 trillion in assets. The firm provides a range of advisory programs and investment solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Victoria Goldsberry is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Wells Fargo, she worked at Woodmen Financial Services and Woodmen of the World Life Insurance Society, among other roles in various sectors. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Ronald Chance is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 47 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Gill is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. Prior to joining Raymond James in 2021, he worked at Truist Advisory Services and Truist Investment Services in 2021, and Bb&T Securities from 2013 to 2021. Outside of his advisory role, he has a personal investment interest in Koalafi. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting using a variety of portfolio management styles and firm-affiliated research, with notable activities in municipal advisory services and an extensive affiliate ecosystem.

Matthew Montgomery is a financial advisor with Morgan Stanley in Newport News, VA, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through a combination of direct client relationships and corporate financial planning agreements.

Emily Robbins is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. She has previously worked with Virginia Asset Group, Monarch Bank, and Infinex Investments, Inc. She is also a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Elizabeth Wagner is a financial advisor with LPL Financial in Chesapeake, VA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. She has been with LPL Financial and its predecessor firm since 1996. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from multiple sources.

Garrett Smith is a financial advisor with Charles Schwab based in Virginia Beach, VA, holding Series 63 and Series 66 credentials and with six years of industry experience. His previous roles include positions at Meridian Wealth Partners and AXA Advisors. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary financial planning and access to discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and combination of advisory and brokerage services.

Brian Laroche is a financial advisor with MassMutual Investors Services in Virginia Beach, VA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with MassMutual and its affiliated entities since 2011. Laroche is involved as an education director and partner with the National Association of Federal Retirement Education Directors, where he conducts seminars for federal employees on their benefits. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers comprehensive planning using firm-approved tools and educational seminars, with a focus on collaborative annual client relationships.

Michael Travis is a CFP® with 49 years of experience in the financial services industry. He has been with LPL Financial since 2019 and previously worked for United Planners' Financial Services of America as a limited partner for 28 years. He also operates Financial Designs of Virginia, which has been active since 1984. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house research and third-party subadvisors.

James Harrington is a financial advisor with Ameriprise in Virginia Beach, VA, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at Wells Fargo Advisors and Wells Fargo Clearing. He has been with Ameriprise since 2019. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-assisted recommendations through a centralized consulting team.

Lauren Overby is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 63 and Series 66 designations and has been with various Fidelity entities since 2016. Outside of her advisory role, she participates in the Amazon Vine Program, writing product reviews based on items she receives for free. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Jason Bozard is a financial advisor with Cambridge Investment Research Advisors who holds Series 63 and Series 65 licenses and has 16 years of industry experience. His prior roles include positions at Royal Alliance Associates and Jhfn Sii. Outside of advising, he serves as treasurer of a homeowners association and coaches youth athletics in Virginia Beach. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual, institutional, and retirement-plan clients through a network of independent Financial Professionals. The firm offers financial planning, investment management, and retirement advisory services with a range of portfolio management options, proprietary and third-party strategies, and both discretionary and non-discretionary investment implementations.

Jennifer Cornforth is a financial advisor with Morgan Stanley in Virginia Beach, VA, holding a Series 63 designation and bringing 36 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and market simulations.

Christopher Holladay is a CFP® certificant with 24 years of industry experience, currently affiliated with Raymond James & Associates since 2015. He serves as a trustee and successor trustee for a family trust, responsible for distributing trust assets according to the trust documents if necessary. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and fiduciary services through a variety of portfolio management styles and affiliated research.

Sean Connor is a financial advisor at Ameriprise with Series 66 credentials and one year of industry experience. His prior work includes roles at Regent University, Duck Donuts, and Dick's Sporting Goods. He serves on the Board of Directors of ConnorMedia, Inc. Ameriprise offers retirement-income planning services targeting individuals with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement planning through a centralized consulting team.